Money Box Live (Radio 4), like Any Questions, brings out a certain sort of Radio 4 listener. Otherworldly might be a kindly way of putting it. "I'm going to Chile on Sunday," one woman's query began on yesterday's phone-in on fiscal matters relating to holidays. "Do they accept our credit cards in their restaurants?" It wasn't the question as such, but the fact that she was leaving it until Wednesday afternoon, on the chance of getting through on a busy radio show, to find out.

The questions were the sort of thing most of us blithely Google. But host Vincent Duggleby is there for everyone else with his team of trusty experts. They said lots of common-sense things ("make sure you've invested in a good-quality money belt"); so many, in fact, that the programme – as always – ran out of time.

The moment where Duggleby realises that time is cruelly against him is as marked as the turn in a Shakespearean sonnet. His easy charm evaporates. "Can you give us your question rather than your life history?" he snaps at a man who has just begun a rant about insurance premiums for the over-65s. "Can we cut to the chase?" The chase is cut to, everyone is rushed, and Duggleby sounds suddenly exhausted by the end. It's just how it always is.